Behavioral and mental health providers in Alabama
PlanOptica tracks 10 health and welfare plans sponsored by 6 behavioral and mental health providers in Alabama, covering 3,765 participants and $16M in reported insurance premiums (plan year 2024 to 2025 filings). The median plan has 365 participants, and the most common size is 250 to 499 participants (30% of plans). Fully insured coverage is the norm (90% of plans); only 10% are self-funded or mixed.
Blue Cross Blue Shield of Alabama dominates premium with a 50% share, followed by Alabama Local Government Health Insurance Plan at 16%. Fisher Brown Bottrell Ins Inc is the broker of record on 5 plans, more than any other firm, ahead of Lockton Companies LLC (2). 90% of plans report broker compensation on Schedule A; the median brokered plan pays $25K a year, about 11.9% of premium. Birmingham, Huntsville and Jasper have the most plans.
Funding mix
- Fully insured9 · 90%
- Self-funded1 · 10%
Plan size (participants)
- Under 1002 · 20%
- 100 to 2492 · 20%
- 250 to 4993 · 30%
- 500 to 9993 · 30%
- 1,000 or more0 · 0%
Median plan: 365 participants. Median broker comp: 11.9% of premium across 9 brokered plans.
Top carriers, behavioral health, Alabama
- 1Blue Cross Blue Shield of Alabama$7.9M2 plans · 50.3%
- 2Alabama Local Government Health Insurance Plan$2.6M1 plans · 16.3%
- 3The Guardian Life Insurance Company of America$1.6M3 plans · 10.0%
- 4Health Options$1.0M1 plans · 6.5%
- 5Hartford Life and Accident$935K1 plans · 5.9%
- 6Unum Life Insurance Company$441K3 plans · 2.8%
- 7Starmount Life Insurance Company$386K1 plans · 2.4%
- 8Prosperity Life Group$211K1 plans · 1.3%
- 9Metropolitan Life Insurance Company$184K1 plans · 1.2%
- 10United of Omaha Life Insurance Company$175K1 plans · 1.1%
Top brokers, behavioral health, Alabama
- 1Fisher Brown Bottrell Ins Inc5 plans$113K comp · 55.6%
- 2Lockton Companies LLC2 plans$97K comp · 22.2%
- 3Mercer Health and Benefits, LLC1 plans$251K comp · 11.1%
- 4Pointenorth Insurance Group, LLC1 plans$34K comp · 11.1%
- 5Able Benefit Solutions, Inc1 plans$22K comp · 11.1%
- 6Employee Benefit Strategies1 plans$22K comp · 11.1%
Largest behavioral and mental health providers in Alabama
| Employer / plan | City | Funding | Participants | Premium | Primary carrier |
|---|---|---|---|---|---|
| Bradford Health Services Bradford Health Services Group Paid Life PlanAll plans | Birmingham | Fully insured | 984 | $56K | Unum Life Insurance Company of America |
| Northwest Alabama Mental Health Center Northwest Alabama Mental Health Center Health PlanAll plans | Jasper | Fully insured | 378 | $235K | The Guardian Life Insurance Company of America |
| Psychiatric Staffing, LLC Psychiatric Staffing, LLC Benefit PlanAll plans | Montgomery | Fully insured | 210 | $1.7M | Blue Cross of California |
| Sportsmed Orthopaedic Surgery & Spine Center Sportmed Employee Benefits PlanAll plans | Huntsville | Fully insured | 159 | $2.1M | The Guardian Life Insurance Company of America |
| The Core Project Inc The Core Project Inc Health Insurance PlanAll plans | Daphne | Self-funded | 49 | - | - |
| Huntsville-Madsion County Mental Health Board, Inc HSV-Madison County Mental Health Center Flexible Spending Acct PlanAll plans | Huntsville | Fully insured | 0 | $2.9M | Alabama Local Government Health Insurance Plan |
Showing 6 of 6 employers. Filter the full list by size, funding, carrier and broker.
Plans by city in Alabama
Frequently asked questions
How many behavioral and mental health providers in Alabama offer an ERISA health plan?
10 health and welfare plans from 6 behavioral and mental health providers in Alabama appear in plan year 2024 to 2025 filings on Form 5500, covering 3,765 participants. Plans with fewer than 100 participants that are fully insured do not have to file, so small practices are under-counted.
Which insurance carriers cover the most behavioral and mental health providers in Alabama?
By Schedule A premium: Blue Cross Blue Shield of Alabama (50% of premium, 2 plans), Alabama Local Government Health Insurance Plan (16% of premium, 1 plan) and The Guardian Life Insurance Company of America (10% of premium, 3 plans).
Which benefits brokers work with behavioral and mental health providers in Alabama?
By number of client plans: Fisher Brown Bottrell Ins Inc (5 plans), Lockton Companies LLC (2 plans) and Mercer Health and Benefits, LLC (1 plan). 90% of plans report a broker.
How much do brokers earn on behavioral and mental health providers health plans in Alabama?
The median brokered plan reports $25K a year in broker commissions and fees, or 11.9% of premium. Figures come from Schedule A, Part I.
Are behavioral and mental health providers health plans in Alabama self-funded or fully insured?
Fully insured 90% and self-funded 10%. Self-funded and mixed plans together make up 10%.
Where does this data come from?
U.S. Department of Labor Form 5500 filings and their Schedule A insurance attachments, latest filing per plan. Psychiatrists (NAICS 621112), mental health practitioners (621330), outpatient mental health and substance abuse centers (621420), plus healthcare employers whose name says behavioral health, mental health or psychiatry.
Prospect behavioral and mental health providers in Alabama
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Behavioral health in nearby states
Other healthcare specialties in Alabama
Source: U.S. Department of Labor Form 5500 and Schedule A, latest filing per plan (plan years 2024-2025). Psychiatrists (NAICS 621112), mental health practitioners (621330), outpatient mental health and substance abuse centers (621420), plus healthcare employers whose name says behavioral health, mental health or psychiatry. Location is the sponsor's filing address in Alabama.